Bild: KI generiert midjourney

Help costs money – but doing nothing costs more

Health costs money. Illness costs even more. Mental health conditions are becoming more of a focus.

Accor­ding to the results of the 2023 Mental Health Resour­ces Moni­to­ring [Moni­to­ring Ressour­cen Psychi­sche Gesund­heit 2023], mental health matters to people. They are also aware of the importance of mental health care. Howe­ver, accor­ding to the findings of the moni­to­ring, only half of the people surveyed act accor­din­gly. Infor­ma­tion and help are available, but many people face barriers to taking advan­tage of them. The most signi­fi­cant obsta­cle, which consti­tu­tes a barrier for 32% of respond­ents, is the strain on others they wish to avoid. Lack of desire to talk about the problems is in second place at 24%. And costs come in third place. 22% are put off by the costs of seeking profes­sio­nal help. In addi­tion, for all barriers, people who have been in a crisis for a long time find the obsta­cles to be signi­fi­cantly higher. Parti­cu­larly when it comes to costs, the distinc­tion between stress and illness plays a key role. Compul­sory health insu­rance will cover the costs if a diagno­sis of clini­cal signi­fi­cance has been speci­fied by a doctor.

When it comes to finan­ces, there isn’t a very preven­ta­tive approach to one-on-one support.

says Noemi Swoboda, Head of OHM Opera­ti­ons & Deve­lo­p­ment at Health Promo­tion Switz­er­land. ‘People know that they could or should deal with mental stress, but they are not yet ill. This means they would have to pay for the treat­ment or acti­vity them­sel­ves.’ Howe­ver, people also often wouldn’t know where to turn or what the first steps are. Instead of tack­ling a problem from the outset and finding a solu­tion, people drift deeper. The more advan­ced a psycho­lo­gi­cal diagno­sis is, the more diffi­cult it is for the person affec­ted to take action them­sel­ves. ‘For instance, one of the charac­te­ristics of depres­sion is that you have diffi­culty getting into an action,’ she says.

Not ever­y­thing costs money

‘Not all measu­res cost money,’ says Noemi Swoboda. Many measu­res can be taken by each and every one of us. The figu­res show taking action would pay off. The bulle­tin issued by the Swiss Health Obser­va­tory at the end of 2024 shows that in 2022, 68 out of every 1,000 insu­red indi­vi­du­als recei­ved outpa­ti­ent treat­ment in psych­ia­tric and/or psycho­lo­gi­cal psycho­the­rapy prac­ti­ces. 6.9 in 1,000 inha­bi­tants recei­ved inpa­ti­ent treat­ment in a psych­ia­tric clinic or psych­ia­tric ward of a hospi­tal. One fifth of pati­ents recei­ved inpa­ti­ent care on more than one occa­sion. The over­all hospi­ta­li­sa­tion rate was 9.3 per 1,000 inha­bi­tants. The costs for treat­ments covered by compul­sory health insu­rance amoun­ted to CHF 2.6 billion in 2022. In 2006, this figure was still under CHF 1.4 billion. Outpa­ti­ent prac­ti­ces account for the largest share, at CHF 1.2 billion. CHF 487 million was spent on outpa­ti­ent hospi­tal care and CHF 849 million on inpa­ti­ent care. This does not include hospi­tal costs, which are funded by the cantons. They pay 55% of hospi­tal costs. ‘It is important that those affec­ted know at an early stage that they will be funded if they have a clini­cal diagno­sis,’ says Swoboda. Howe­ver, as she points out, ‘if the diagno­sis is not clini­cal in nature, that does not mean that ever­y­thing is fine.’ In that case, the person should consider what would be good for them. Over­all, the costs of mental health condi­ti­ons are higher than the compo­nent covered by health insu­r­ers. The 2025–2028 plan of action for the Natio­nal Stra­tegy for the Preven­tion of Non-commu­ni­ca­ble Dise­a­ses (NCD Stra­tegy) descri­bes direct costs of mental health condi­ti­ons, inclu­ding demen­tia, of CHF 13.5 billion. The poten­tial for preven­tion is considerable.

Preven­tion in the workplace

The work­place is a suita­ble envi­ron­ment for preven­tive measu­res. ‘There are alre­ady many compa­nies that have a degree of aware­ness,’ she says. The most recent moni­to­ring of occu­pa­tio­nal health manage­ment (OHM) in Switz­er­land shows that around 75% of compa­nies in Switz­er­land imple­ment OHM and corre­spon­ding measu­res, a quar­ter of them syste­ma­ti­cally. Inves­t­ing in employees’ health can pay off. Accor­ding to the Job Stress Index, work-rela­ted stress costs the economy around CHF 6.5 billion per year. CHF 1.5 billion in work perfor­mance is lost due to employee absence. The costs of employees working, but not achie­ving their full poten­tial, amount to CHF 5 billion. To coun­ter this, syste­ma­tic OHM with many measu­res is not always neces­sary. ‘Some­ti­mes you just need to take the first steps to raise aware­ness of the issue,’ says Swoboda. ‘If employees think they’re working for a company where there’s no space to talk about mental health, hardly any employee is going to say “I’m not doing great”.’ Preven­tive work and raising aware­ness can be chal­len­ging, espe­ci­ally for smal­ler compa­nies. For them, the first step is usually the most diffi­cult. If you know where to start, you can take the next step, says Swoboda. She offers a tip for getting star­ted: ‘Simply make mental health a topic in the work­place. That would be a good start.’

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